Maximising returns: The importance of cash flow management for SMEs in Singapore
For businesses with irregular income, the gap between receiving revenue and paying your next bill is an opportunity, if you know how to use it.
Whether you run an F&B outlet, retail shop, construction firm, or wholesale business in Singapore, the pattern is familiar. Income fluctuates, but expenses do not wait. Knowing how to manage cash flow in a business means putting every idle dollar to work, even between cycles.
Here is how you can do it:
- Park your cash and earn daily interest
Unlike other business banking accounts that calculate interest monthly, ANEXT’s Business Account credits interest daily. Your working capital earns up to 1.0% p.a. (for SGD, USD, EUR balances) while staying fully accessible.
Instead of waiting until the end of the month to see a return, you get usable cash added to your balance every single day. For Eunice Xu, Founder of TCL Lighting, this constant trickle of interest has a direct impact on her customer service. Because the account rewards her daily, she uses those earnings to afford thoughtful gestures, like a good cup of coffee or a pack of tissues for her clients while they wait. It is a simple way to fund those little extras that keep customers happy without dipping into her core operating budget.
Tip: Seek out business accounts that reward you daily. It can help you turn idle cash into a more consistent income stream, all without locking away your day-to-day operating funds.
- Put short-term surplus to work
Sometimes you’ll have cash that isn’t needed for the next few weeks or months, for example between projects or inventory cycles.
Tip: Consider short-tenure fixed deposits to earn higher returns while keeping commitments short.
- Separate cash by purpose
Not all business funds serve the same role. Separating day-to-day operating funds from short-term surplus helps you manage both liquidity and returns more effectively.
Tip: Keep operational funds liquid, while placing excess cash in options that generate additional yield.
How SMEs improve business cash flow with ANEXT
- Earn interest daily, with interest calculated and credited to your account each day
ANEXT credits up to 1.0% p.a. on your SGD, USD, and EUR balances daily, straight into your account. Your cash earns from day one.
- No minimum balance, with fees disclosed upfront
No set up fee, no annual account fee, no minimum balance to maintain. Fees are shown upfront before you transact.
- Unlimited free local transfers
Send to partners, staff, and vendors via FAST, PayNow, and GIRO. Free, every time.
- Free global transfers to select markets, in a flash
With ANEXT Flash, send USD and EUR to select markets typically within 1 working day. TT fees waived for a limited period.
Maximise growth with better cash flow management
For Singapore SMEs managing irregular income, good business cash flow management is not just about covering your next bill. It is about making sure every dollar earns, even between cycles.
ANEXT offers you a business account with daily interest and flexible fixed deposits with no early termination penalty. Whether you are in a growth phase or managing a slow season, your cash is always working.
What clients say
“For a growing company, the biggest challenge is always cash flow. Opening our ANEXT business account was incredibly quick, taking just five minutes to get approved. It is digital-first and very easy to use. As a business advisor, I am constantly looking for better banking alternatives to help my own clients scale. Today, around 20% of my clients use ANEXT as their primary account because of how it supports their growth.”
– Bob Ng, Owner, Bob & Co Business Consulting
“I actually have a sum of money in ANEXT Bank that I use to earn interest. The interest earned from putting money in ANEXT Bank accumulates everyday. If we buy a pack of tissues or a cup of good coffee for our clients, we can easily afford them. This is all covered by the interest earned from banking with ANEXT Bank.”
– Eunice Xu, Founder, TCL Lighting
Learn more here.
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